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New plan...time to see some movement!
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Mortgage overpayments: £1.35"If you can dream it, you can do it". Walt Disney0
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Mortgage overpayments: £1.35
would love to start overpaying on mortgage...every little helps doesn't it? Do you put the little bits into a saving account and then pay it monthly or transfer little bits at a time?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
You'll do well if you get all that done today Jwil
. It's good to make lists and get organised, I love doing that. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
would love to start overpaying on mortgage...every little helps doesn't it? Do you put the little bits into a saving account and then pay it monthly or transfer little bits at a time?
I just do a transfer straight to the mortgage. I'd dip into it if I left it in a savings account. I figure it will save me more in interest too as it's calculated daily. The small amounts will hopefully become big amounts sometimeHairyHandofDartmoor wrote: »You'll do well if you get all that done today Jwil. It's good to make lists and get organised, I love doing that.
I won't get it all done, but it will do me for a few days. I like lists, they help remind me of things I want to do as much as need to do "If you can dream it, you can do it". Walt Disney0 -
Made a start:
- New SOA
- Look at phone/tv/internet package and reduce it
- Sort out desk
[STRIKE] - Prep and freeze veg[/STRIKE]
[STRIKE] - Book boiler service[/STRIKE]
[STRIKE] - Book health check[/STRIKE]
- Meal plan for SW
[STRIKE] - Refund ebay parcel which was returned as not collected :mad:[/STRIKE]
- eBay listings
- Open up non-paying cases :mad:
[STRIKE] - Clean hoovers[/STRIKE]
- Sort out little jwil's school book from last year and add certificates to it.
[STRIKE] - Check banks[/STRIKE]
[STRIKE] - Book after school club and check lunches booked[/STRIKE]
- Surveys
"If you can dream it, you can do it". Walt Disney0 -
I just do a transfer straight to the mortgage. I'd dip into it if I left it in a savings account. I figure it will save me more in interest too as it's calculated daily. The small amounts will hopefully become big amounts sometime
I won't get it all done, but it will do me for a few days. I like lists, they help remind me of things I want to do as much as need to do
Never realised you could do that? They are ok with it? We are with Lloyds...used to be C&G, never even thought of asking them about it. I know it says we can pay off any amount we want, where as when we were on a fixed rate mortgage a few years ago, there was a 10% max overpayment. I might start doing it...little bit here and there will all add up.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Never realised you could do that? They are ok with it? We are with Lloyds...used to be C&G, never even thought of asking them about it. I know it says we can pay off any amount we want, where as when we were on a fixed rate mortgage a few years ago, there was a 10% max overpayment. I might start doing it...little bit here and there will all add up.
I never asked :rotfl: I had the account details as I pay the mortgage payment by bank transfer, so I just send over bits whenever I can. It all shows up on my statement. We're on a tracker so there are no restrictions on overpayments. I've never kept track of how much I've overpaid before, so want to see how much those little amounts add up to!"If you can dream it, you can do it". Walt Disney0 -
Today's list
- New SOA
- Look at phone/tv/internet package and reduce it
- Sort out desk
- Meal plan for SW
- eBay listings
- Open up non-paying cases :mad:
- Sort out little jwil's school book from last year and add certificates to it.
- Check banks
- Surveys
- Write F&F letter
- Buy dustbin
- Post eBay parcel
- Buy new school tie
"If you can dream it, you can do it". Walt Disney0 -
Decluttering categories (roughly following Marie Kondo) with my own sub categories.
Clothing- Mine
[STRIKE] - Little Jwil[/STRIKE]
[STRIKE] - Little miss[/STRIKE]
- Mine
- Kids
Miscellaneous (Komono)
Kitchen- Cutlery
- Crockery
- Pans
- Equipment
- Food
- Cleaning products
Understair cupboard
Shed
Airing cupboard- Towels
- Bedding
Toiletries
Accessories
Nick nacks
Computer files
Sentimental- Photos (hard copies)
- Photos (digital)
- Holiday stuff
"If you can dream it, you can do it". Walt Disney0 - Mine
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I never asked :rotfl: I had the account details as I pay the mortgage payment by bank transfer, so I just send over bits whenever I can. It all shows up on my statement. We're on a tracker so there are no restrictions on overpayments. I've never kept track of how much I've overpaid before, so want to see how much those little amounts add up to!
Definitely going to start doing it. Thanks.:)This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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